Need co signer for some credit no friends or family able to do it, is there any organisation that he

Well basically i have a few thousand in debt and im paying almost $120 a month, i got told by my bank they could help by putting it all on one card with lwer interest and lower monthly payments, but i only have a credit scoe of 605 and the minimum they required was 640-660 so i need a co signer.

Only problem is i dont have any friends or family around that have good enough credit or that will cos ign for me, i was wondering if anyone knew of anything i could do, is there any organisations or people out there that co sign credit for people or anything like that? im really in need of doing this as my debt is going no where right now and im only able to afford the minimums and interest eats most of that.

Can anyone offer any advice?

Need co signer for some credit no friends or family able to do it, is there any organisation that helps?student loan

No stranger will co-sign for you because if you behave as you did to obtain the 605 score any debt you acquire WILL be there debt. You did not get that score from being honest.

Need co signer for some credit no friends or family able to do it, is there any organisation that helps? loan

Forget consolodationa and just concentrate on paying off your debt. Don%26#039;t charge anything until you have done so. Pay on time each month and you will build a good credit history and thus a higher score.|||Unfortunately, you are stuck in a conundrum. You cant lower your interest rate because your credit score is too low, and you cant raise your credit score because of your debts.

The bank wants a co-signer, so they can go after the other person if you dont pay. So no company or stranger is going to gaurantee yuor debt.

You can go to a non-profit debt conselling service, and they can try and negotiate a lower rate for you, with a set payment plan.|||First - get a copy of your credit . You can get it for free through the government website.

Then, go through and close any zero balance accounts not in use.

Next look for any zero balance credit that had slow pays on it. write a nice letter to the company and ask them to remove it from your credit. Some will, some wont.

You have bad credit.... no one in their right mind will co-sign.

It%26#039;s a learning experience.|||First off, Thank those friends and family who won%26#039;t co-sign for you. It%26#039;s never a good idea to co-sign. Since you have only lived here in the US for 2 years Your credit isn%26#039;t too bad :)

My only advice is to NOT consolidate all of your loans. Pay the smallest first and then keep applying those amounts to the next highest bill when the lowest is paid off. Just keep on top of them. If you need to sell something to help pay your debts then do so, have a yard sale, or sell your car (if you are making payments on it) and drive a car you can pay cash for or owe less on per month. Good Luck and I know it%26#039;s probably not what you wanted to hear. but I know debt consolidation is a bad idea, they will get you in the end!|||Where did you get the idea that people start off with low credit? It is not true at all. You go from 0 to 800 by making your payments on time. There is no %26quot;bad credit score for beginners%26quot;. You have your score because you either do not pay at all or you pay very late repeatedly.

Only a crazy person would co-sign, you don%26#039;t even take responsibility for getting yourself into this mess.